LexisNexis® Attract™ Auto Insurance Score - Sample Report

LexisNexis® Attract™ Auto Insurance Score

Your score of 698 is based upon your Equifax Credit Report as of 01 / 13 / 2010

Scores range between under 500 and 997.

Higher scores are considered better scores. If an insurance
company evaluated you solely on your insurance score, you would
be considered a AVERAGE risk.

WHAT YOUR SCORE MEANS

Your score of 698
places you in the 49%
percentile of consumers throughout the nation. If an insurance
company evaluated you solely on your insurance score, you
would be considered a AVERAGE
risk. Because insurance companies use your insurance score
with other underwriting guidelines (i.e. motor vehicle
records, claims loss history), your risk level could
change. For example, if you are considered a good risk but
have a poor driving record and claims history, your ranking
could be lowered.

It is important to know your insurance score because it is
a determining factor in your auto insurance. It is
important to understand how your score is determined so you
can improve your score over time.

Score:

698

Graph shows the percentage of consumers who would receive
a lower insurance score than yours. The maximum insurance
score is 997.

FACTORS AFFECTING YOUR SCORE

Your LexisNexis® Attract Auto Insurance Score is based on the
information on your Equifax® credit history. Knowing your
insurance score and understanding the key factors affecting your
score is important. The key factors will help you understand how
you can improve or maintain your insurance score over time.

Insurance companies use financial history along with other factors
to properly classify you according to your potential risk. Studies
have shown a correlation between a consumer's financial history and
his/her future insurance loss potential. Thus, insurance companies
believe the use of credit helps to underwrite an applicant at a
cost that reflects their specific risk.

Each insurer develops underwriting decisions based on their own
business requirements. Insurance companies evaluate credit reports
and/or insurance scores according to their own proprietary
strategies. Other information is frequently used to underwrite your
insurance and determine your premiums, such as:

Application data

Prior loss data

Motor vehicle records

Your score of 698 places you in the AVERAGE risk category.

IMPORTANT NOTE

The LexisNexis® Attract Insurance Score that you have received
was generated using LexisNexis' proprietary model. The score used
by your insurance company may differ if it is generated using a
different scoring model.

Credit Report From Equifax

PERSONAL INFORMATION

Name:

JOHN
W
DOE

SSN:

XXX-XX-XXXX

Date of Birth:

01 / XX / 19XX

Address:

12345
DEAD END
DRALPHARETTA,
GA
30004-0000

Previous Address:

54321
NOWHERE
CTMONTGOMERY,
AL
36117-0000

Date Reported:

N/A

Previous Address:

999
PENNY
LNMONTGOMERY,
AL
36111-0000

Date Reported:

N/A

EMPLOYMENT HISTORY

Employer

Employment Date

Verified Date

SIEMENS ENERGY & AUTOMATION

N/A

N/A

COMPUTER SCIENCES CORP

N/A

N/A

CSC

N/A

N/A

PUBLIC RECORDS

Type of Record:

JUDGMENT

Court #:

100752

Status:

SATISFIED

Date Filed:

12/1998

Case #:

121999

Amount:

$22,450

Date Resolved:

12/1999

Plaintiff:

Bubblegum, Inc

COLLECTION ITEMS

Date Reported:

12 / 2009

Status:

UNPAID

Date Assigned:

10 / 2009

Status Date:

12 / 2009

Original Amount:

$342

Last Activity:

02 / 2009

Balance Amount:

$342

Type:

SUBJECT (INDIVIDUAL)

Balance Date:

12 / 2009

Agency ID:

464YA00286

Credit Grantor:

AT T

CREDIT ITEMS

Creditor:

HSBC BANK

Account #:

N/A

Status:

PAYS ACCOUNT AS AGREED

Date Opened:

11 / 2002

Type:

REVOLVING

High Credit:

$15,500

Date Reported:

12 / 2009

Responsibility:

SUBJECT (INDIVIDUAL)

Balance:

$5,876

Last Activity:

12 / 2009

Terms/Payment:

N/A

Past Due:

$0

Payment History:

d
30 days past due 00 times,
60 days past due 00 times,
90+ days past due 00 times

CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT

Creditor:

THD/CBSD

Account #:

N/A

Status:

PAYS ACCOUNT AS AGREED

Date Opened:

10 / 1999

Type:

REVOLVING

High Credit:

$5,700

Date Reported:

12 / 2009

Responsibility:

SUBJECT (INDIVIDUAL)

Balance:

$0

Last Activity:

09 / 2006

Terms/Payment:

N/A

Past Due:

$0

Payment History:

30 days past due 00 times,
60 days past due 00 times,
90+ days past due 00 times